Terms and Conditions
Service Agreement
These terms and conditions govern your use of querinalvosy's financial planning subscription service and website.
By using our services, you agree to be bound by these terms in their entirety.
Important Definitions
For clarity, the following terms have specific meanings throughout this agreement:
- Services: Financial planning consultations, advice, and related materials provided through our subscription model
- Client/User: Any individual or entity that subscribes to or uses our financial planning services
- Content: All information, materials, documents, and communications provided through our service
- Agreement: These terms and conditions, along with our Privacy Policy and other referenced policies
Service Usage Terms
Your use of our services is subject to the following conditions:
Permitted Uses
- Access and use services for your personal financial planning needs
- Communicate with our team for legitimate service-related purposes
- Utilize provided materials and resources for your financial planning
Prohibited Activities
The following activities are strictly forbidden:
- Sharing account access or subscription benefits with unauthorized parties
- Using our services for illegal activities or fraudulent purposes
- Attempting to reverse engineer or copy our proprietary methodologies
- Harassing, threatening, or abusing our team members or other clients
- Providing false or misleading information about your financial situation
Client Responsibilities
As a client, you are responsible for:
- Providing accurate and complete financial information for effective planning
- Implementing recommendations at your own discretion and risk
- Maintaining the confidentiality of your account and login credentials
- Paying subscription fees promptly according to your chosen plan
Intellectual Property
All content, methodologies, systems, and materials provided by querinalvosy are protected by Australian and international intellectual property laws.
We grant you a limited, non-transferable license to use our materials solely for your personal financial planning purposes.
Privacy and Data Protection
We are committed to protecting your personal and financial information in accordance with Australian privacy laws.
Detailed information about our data handling practices is available in our Privacy Policy. Privacy Policy
Payment Terms
Subscription payments are subject to the following terms:
- Monthly subscriptions are billed in advance on your chosen billing date
- All fees include GST where applicable and are quoted in Australian dollars
- Payment methods include credit card, direct debit, and bank transfer
- Failed payments may result in service suspension after 7 days notice
Service Termination
Either party may terminate this agreement under the following conditions:
Client Termination: You may cancel your subscription at any time with 30 days written notice
Service Provider Termination: We may terminate services for breach of terms, non-payment, or other legitimate business reasons
Disclaimers and Limitations
Important limitations on our liability and service guarantees:
We provide services "as is" without warranties of specific financial outcomes or results
Our liability is limited to the amount of fees paid in the 12 months preceding any claim
Indemnification
Clients agree to indemnify querinalvosy against claims arising from misuse of services, provision of false information, or failure to follow professional advice.
Dispute Resolution
For consumer disputes, we participate in the Australian Financial Complaints Authority (AFCA) scheme.
Dispute Resolution
Disputes will be resolved through binding arbitration in accordance with Australian commercial arbitration rules.
Arbitration proceedings will be conducted in Melbourne, Victoria, under Australian law.
Consumer Complaints
Consumer disputes may be referred to the Australian Financial Complaints Authority (AFCA) for independent resolution.
Applicable Law
Any disputes will be subject to the exclusive jurisdiction of Australian courts.
Terms Modifications
We reserve the right to modify these terms with 30 days written notice to active subscribers.
Material changes will be communicated via email and website notification.
Complete Agreement
These terms, together with our Privacy Policy and other referenced policies, constitute the complete agreement between parties.
Terms Contact Information
For questions about these terms or to provide required notices:
querinalvosy
Level 15, 447 Collins Street, Melbourne VIC 3000
Last updated: September 24, 2025
Terms Version 2.1